Top of the big era

Fudge, just fudge.

Shi Jinglin told Zhou Buqi about the flow limit at the online banking gateway last month.

Last month, Shi Jinglin organized a 91 Shopping Festival, which was unprecedentedly grand.

At peak times, millions of people placed orders at the same time.

Then, there were some problems with the payment system for group purchases on campus, that is, the member purchase business. It was not a problem of its own, but that the response time slowed down when it was connected with online banking.

Some students even reported in the on-campus group purchase that there were many problems in the payment process, and they paid seven or eight times before the payment was successful.

The problem is with online banking.

Commercial websites such as Friends.com and Taobao.com, once the traffic increases, they must find ways to take various measures to improve the infrastructure.

Purchase servers, expand databases, study big data processing algorithms, etc.

But what about online banking?

In the payment link of online shopping, online banking does not charge a commission. Not taking a commission means that they have no interest in this process, and it is a purely public security facility.

This is very troublesome.

For example, this time, in order to cope with the increase in traffic, Taobao purchased 1,000 high-end IBM servers, with a total cost of more than 100 million US dollars. Even if you have money in online banking, it is difficult to spend the money in this kind of business that only has expenses but no income.

Even if you want to purchase, the speed is very slow.

More importantly, the wave of online shopping is coming, and more and more people start to use online shopping. Taobao does not do cloud computing, and all profits will be eaten up by the expanded servers and databases.

What about online banking?

Does online banking have to spend huge sums of money every year to continuously expand the load of the payment gateway?

Even if you are willing to spend money, technology is also an obstacle.

Big data processing can be regarded as one of the most high-end technical fields in the Internet industry. The best talents work in Internet giants, and few people choose to go to online banking.

It can be seen that even if the bank has money and is willing to spend money to continuously strengthen the infrastructure of online payment, their technology cannot keep up, and they cannot bear the huge load of hundreds of millions of people shopping at the same time.

For example, the early train ticket purchases were scolded miserably by people all over the country when they first went online. They spent hundreds of millions of dollars, and they were done in a mess.

Later, Internet giants launched third-party ticketing systems one after another, using technical means to forcibly connect with 12306, which solved part of the problem.

Later, the railway people gave up resistance, stopped struggling, and handed over the business to Alibaba Cloud. Backed by Alibaba Cloud's 12306, it can be regarded as a real solution to the needs of people across the country to buy tickets online.

In order to solve the traffic problem of group buying on campus, Shi Jinglin held a meeting with the technical team and gave three solutions.

First, cancel the 91 Shopping Festival.

There are only 20 million college students in the country. As long as there are no such attractive shopping festivals and tens of millions of college students rush to buy, the gateway of online banking can fully handle the traffic of college students.

Of course Shi Jinglin was not reconciled.

She managed to create such a big scene and achieved great success, how could she just give up in vain?

Second, contact online banking and hope that they will increase the carrying capacity of the gateway.

This is too difficult.

The bank is a high-ranking state-owned enterprise, with a domineering style and one-sidedness... People look down on the small business of group buying on campus. More importantly, online banking has no ability to engage in such public welfare. No money, no technology, let alone no heart, even the heart is powerless.

Third, bypass online banking.

This path seems to be the only option.

Can contain huge risks.

If you don't do it well, you will lose your head.

In peacetime, financial stability is the first priority of social stability. The reason why the country has made a policy requirement that all online payments must go through the online banking system is a major measure to ensure financial stability.

Who dares to bypass?

Zhou Buqi heard Shi Jinglin say this, and also denied the first two options.

Bypassing online banking is an inevitable trend of Internet finance in the future.

But the times have not yet developed to that point.

According to domestic Internet practice, it is development first, followed by regulation. Relevant departments can't understand it, let the people do it first, so as to avoid curbing innovation.

When it is done, the policy is issued and formally approved. If it is not done well, a regulatory policy will be issued to require rectification.

Other issues are easy to discuss, but this involves the financial field, which is an extremely sensitive area. If there is a problem, it is not as simple as rectification, maybe you have to go in.

Even if Zhou Buqi has the foresight and knowledge of the future trend, the country has indeed issued relevant regulations to approve the behavior of Internet finance bypassing online banking by means of payment licenses.

But that was four years later.

At the current stage, let Zhou Buqi go against the wind to commit crimes, violate national policies and bypass online banking to engage in online payment... He really doesn't have the guts.

Fortunately, there are old horses.

On-campus group buying is only a small part of Ziwei Star's business, so Zhou Buqi is not in a hurry. But Lao Ma is different. Taobao is the soul of Ali, and online payment is the most critical issue.

Zhou is not in a hurry, the old horse is in a hurry.

The first person to eat crabs can only be an old horse, risking his life and rushing in, bypassing online banking to make payment. Of course, the old horse is not a stunned young man, he is constantly traveling north and south to find connections and backers, so that if something goes wrong in the future, at least he can save his life.

Zhou Buqi knows a little about the things in it, so keep it at a respectful distance, and don't participate in it at all.

When Lao Ma settles these things in front of the stage, he can share the benefits later.

Let the old horse carry the risk.

The benefits are shared with everyone.

In fact, it's not just Zhou Buqi, everyone in the industry is waiting. Every company with online payment services is tortured by online banking.

Zhou Buqi felt a little sorry for Lao Ma, so he gave him a good idea and said, "Lao Ma, did you watch the 91 shopping festival organized by Xiaonei last month?"

Boss Ma praised: "Hmm! Very creative! In September next year, Taobao will also join in and organize this shopping festival together."

Zhou Buqi almost died of anger, and snorted: "91 Shopping Festival is a shopping festival for college students, why are you participating in it? Do you think that in the university market, Taobao can win the group buying on campus? Don't stare, I have a good idea for you .”

"Um?"

Boss Ma was a little curious.

Zhou Buqi said kindly: "As far as I know, in the past few years, Taobao's sales in the fourth quarter have been relatively low, right?"

Boss Ma nodded and sighed: "Yes, from National Day, to Thanksgiving, and Christmas and New Year's Day. Every time this kind of holiday comes, the shopping malls have discounts and promotions. The common people have gone to offline stores to buy online. It's getting cold."

"I have to find a way to solve it!"

"Do you have a good idea?"

"Learn from me!"

"Huh? Shopping Festival?" Boss Ma's eyes lit up, a little excited, "Imitate the 91 Shopping Festival, and make an online shopping festival in the fourth quarter, an online carnival, and compete with offline shopping malls?"

Zhou Buqi said: "The money in the pockets of ordinary people is certain. If you go to offline stores to spend, you will not shop online. If you want to achieve a good performance in the fourth quarter, you must come up with something more expensive than offline shopping malls. Attractive promotion."

Boss Ma took a deep breath and praised, "Hmm! It makes sense, it makes sense! Xiao Zhou, you young people are still brains. This idea is very correct."

Zhou Buqi said: "The significance of the shopping festival is not only the sales promotion, but also the brand and the attraction. For example, the 91 Shopping Festival, next summer, we plan to do a series of publicity, and the posters will be posted in every school in the country. In high school, let the college entrance examination students have a better understanding of the college student shopping festival, and make it famous."

Boss Ma understood what he meant, and nodded repeatedly, "That's right, that's right. College entrance examination students will probably not buy computers, mobile phones, or other school supplies in advance when they know about the College Student Shopping Festival on September 1st. It is to wait for this shopping festival after enrolling. Shifting their consumption from offline to online will not only bring a lot of money to Xiaonei, but also further strengthen the momentum of the 91 Shopping Festival, forming a Matthew effect.”

Zhou Buqi said that the bosses of offline stores, this is all Lao Ma's bad idea, and it has nothing to do with me!

The more Boss Ma thinks about it, the more he thinks his suggestion is very good, "Actually, Taobao has some promotions from time to time, but the scenes are too small. It should be like the 91 Shopping Festival, which triggers a shopping festival like a shopping carnival. , just like Black Friday in the United States. Only in this way can it trigger a herd effect and attract more people to participate.”

Zhou Buqi coughed lightly: "The fourth quarter is October, November, and December. I think Taobao's shopping festival can be arranged in November. Leave more than a month for the website to do publicity and promotion. , and give users time to save their money.”

Boss Ma thought deeply, "Well! It should be like this! Xiao Zhou, your suggestion really helped me solve a big problem. The marketing plan for the fourth quarter seems to have to be redone... Well, I have to go back to Hangzhou immediately City, arrange this matter."

"What? In such a hurry?"

"What's the date? Of course we have to hurry up."

"I thought you were going to start doing it next year."

"No need!" Boss Ma waved his hand and snorted, "Next year, Baidu's e-commerce platform will be launched. Before they enter the venue, let's set the style of the shopping festival first!"

Zhou Buqi nodded, "Well, okay."

Boss Ma got up and began to put on his coat. He was about to leave in a hurry, and said with a smile: "At that time, the group buying on campus will also participate. We can do this shopping festival together."

Zhou Buqi resolutely refused, "Forget it, let's talk about it in a few years. The 91 Shopping Festival was only held on the Xiaonei website last month, and there will be another one next month. The food looks too ugly."

The reason is strong.

The real reason is that the gateway load of online banking is not enough, Boss Ma!

The 91 Shopping Festival on Xiaonei.com almost broke the online banking threshold. With Taobao's coverage and market popularity, there will definitely be problems at that time!

Xiaonei not only cannot participate, but also avoid it far away.

In those few days, group buying on campus had to stop, so as not to be impacted by Taobao’s shopping festival, and college students could not pay.

hum.

At that time, Boss Ma will be overwhelmed by the online banking, and he has really reaped the huge benefits of the shopping festival, so he is not willing to give up... so he can only bypass the online banking in a desperate way.

Not only that, the surge in traffic brought about by the shopping festival will also bring Taobao's structure to the verge of collapse.

At that time, Boss Ma can only come to Ziweiyun for help.

The shopping festival is the catalyst.